Deymanka Mortgage: shuruudaha, waraaqaha iyo dib u eegis

Abuuritaanka unit cusub ee bulshada - qoyska, qaar badan oo ka fikirayso ku saabsan baahida loo qabo guryaha iyaga u gaar ah. Laakiinse haatan iibka ah ee guri dabaq / guri - qaali. In view of this, qof kasta oo aan is bixin karin oofinta ka mid ah riyo. Laakiin ha ka welwelin! Sababo la xiriira joogitaanka ee bangiyada sida wax soo saarka daynta mortgage, dhibaatada la la'aanta ah ee lacagta saxda ah ee lacagta xal u heli karo.

Banks, daymaha amaahda: Shuruudaha Xulashada

Go'aansiga in ay qaataan amaah ah si ay u iibsadaan hantida maguurtada ah, waa in aad qaadato masuuliyada doorashada ee dalab ugu haboon iyo dayn lagu kalsoonaan karo. Iyadoo bangiyada mortgage qaar ka faa'idaysato la qoondeeyey karaa by dulsaarka hoose, halka qaar kalena ay u baahan yihiin waxaa laga yaabaa in soo gudbinta of xirmo yar ee waraaqaha. Sidaa darteed, si sax ah sheegaa waxa soo saarka waxay noqon doontaa ugu fiicnayn for amaahdaana shaqsi, waxaa aad u adag. Macmiilku waxa uu go'aansaday inuu ka codsado bangiga siinaya deyn ah, waa in ay go'aan ka gaarto waxa ka muhiimsan oo dheeraad ah oo ku haboon, waayo, oo laga bilaabo gacnta si aad u doorato of deyn gaar ah.

Si bartey yareeyo doorashada ee xalka ugu wanaagsan, waxaa lagama maarmaan ah in la tixgeliyo qodobada muhiimka ah on taas oo dareenka in la bixiyo, in meesha ugu horeysa:

1. halaynta of bangiga. Macluumaadkan waxaa laga heli karaa tirokoob gaar ah.
2. Joogitaanka dib u eegista togan iyo kuwa taban.
3. dulsaarka.
4. Caddadka lacagta looga baahan yahay hoos.
5. muddo amaah ah.
6. joogitaanka ama maqnaanshaha of lacag dheeraad ah, oo ay ku jiraan qarsoon (aad si taxadar leh oo kaliya ka heli kartaa bartay qodobada heshiiska amaahda).
7. D. hababka bixinta iyo t.

Iyada oo ku saleysan shuruudaha, waxa ay noqon doontaa suurto gal ah in ay doortaan ugu xiisaha badan ee bangiyada bixinta amaahda. Oo iyaga ka mid ah - mid ku haboon.

Next loo soo bandhigi doonaa ah mortgage deyn bangiga la waxqabadka ugu wanaagsan ee dhaqaale, ka fiirsaday shuruudaha aasaasiga ah iyo xaaladaha soo saarida amaahda.

bangiga kaydka

Hay'addani dhaqaale ayaa kaalinta ka mid ah hay'adaha ka bixinta amaahda on guri dabaq ah. Bank ayaa helay a mahad booska taasoo keentay in tirada ugu badan ee amaahda lacag amaahatay si aad u iibsato hantida maguurtada ah. Iyo laga yaabee ma aha waxtar lahayn! Ka dib oo dhan, uusan ku dhaqmaan hordhaca ah ee guddiyada qarsoon, hawl caddaalad ah oo loogu kalsoonaan karo. Waxaa laga yaabaa in ay tahay sabab this in Bank Savings iyo ayaa ku guuleystay badan oo dib u eegista wanaagsan.

Laakiin qof kasta oo aan ku kalsoonaan kartaa amaahda bangiga. Sidaas daraaddeed, ururka horey qaar ka mid ah shuruudaha in deynsanaya ah. Iyagu waa sida soo socota:

• Age of macmiilka waa in ay ahaadaan 21 sano jir ah markii uu soo gabagabeeyo heshiiska oo aan ka badnayn 75 sano ee xiritaanka ee ka Dhawrsada.
• waayo-aragnimo shaqo - aan ka yarayn lix bilood meel ka mid ah oo ku saabsan sanadka ee 5 sano ee ugu dambeysay.

Isla mar ahaantaana lagu tiriyaa waa gudbiso dokumentiyada soo socda:

• Foomka waxaa buuxinaya foomka su'aalaha bangiga.
• aqoonsi, kuwaas oo baasaboor ah muwaadin u dhashay Ruushka.
• Dokumenti taageeraya meelmar ah maaliyadeed ee amaahdaana.

Haddii bangiga warbixinta soo saaray daymaha amaahda ka dhergi doonnaa macluumaad la siiyay, dalab in ay siiso qofka macaamiisha ah oo amaah ah ku eego sida (sheyga ugu faa'iido la taageero dawladda):

• dulsaarka ee 11.4% sannadkii.
• lacagta Loan ka 300 000 3 000 000 (ee gobolka) iyo 8 milyan oo rubles, (waayo, Moscow iyo gobolka Moscow ee, St. Petersburg iyo Gobolka Leningrad).
• Waqtiga deynta ka 12 ilaa 360 bilood.
• wajigeeda koowaad ee 20% ka mid ah kharashka amaah hantida maguurtada iibsaday.

VTB Bank of Moscow

bangiga, daymaha amaahda, kaalinta labaad ka qaaday in marka la eego waxqabadka dhaqaalaha. Qalanto amaah ah oo kaliya in qofka loo magacaabay hay'adda karaa, la kulmo shuruudaha soo socda:

• Haysashada dhalashada ee Federation Ruush / jinsiyadda shisheeye.
• da'da amaahdaana ee 21-60 sano. Xaaladdan oo kale, mortgage ah oo daboolaya waqtiga waa in aanay noqon in ka badan 75 sano.
• Employment dalka reer Ruushka.
• laga bilaabo 1 bisha shaqeeyaan waayo-aragnimo ka dib markii dhamaystirka xilliga tijaabada iyo 1 sano muddo oo dhan ee uu noloshiisa.
• Ragga da'doodu ka yar tahay 27 sano waxaa looga baahan yahay in ay soo gudbiyaan in waraaqaha bankiga adeeg ciidan ama qasabka ah ee nepodlezhanii ah.

Waxaad u baahan doontaa in ay soo gudbiyaan warqadaha sida:

• dukumeenti aqoonsi.
• document labaad waa doorasho (SNILS ama darawal liisanka ama ID ciidan ama kaarka aqoonsiga militari, ama baasaboor Seaman ah ee).
• Documents rumayn dayactirka ah ee shaqada iyo dakhliga.

xaaladaha credit ay dhacdo in tani waxay noqon doontaa ah (wax soo saarka la taageero dawladda):

• dulsaarka ee 11.15% sannadkii.
• lacagta amaahda ee 500 kun rubles.
• amaah ilaa muddo 360 bilood.
• Shubasho ah 20%.

Gazprombank

More dhawaan, daymaha bangiyada mortgage ayaa soo saartay ku salaysan taageerada dadweynaha. No laga reebo halkan iyo Gazprombank. Waxa uu ku siinayaa amaah ugu wanaagsan ugu si ay u iibsadaan guri dabaq ah oo ku saabsan shuruudaha soo socda:

1. dulsaarka ee 8,85% sannadkii.
2. lacagta Loan ilaa 3 (waayo, goobaha qaar ka mid ah - 8) million rubles.
3. Muddada u aqoonsashada ilaa 360 bilood.
4. Shubasho ah 20%.

VTB 24

Sida kor ku xusan, bangiyada in ay bixiyaan amaahda hantida maguuraanka ah, waxay leeyihiin faa'iidooyin iyo khasaare. Waxaa laga yaabaa in la soo jeediyey in VTB 24, xaaladaha uu noqon doono dad badan ugu doorbiday. Oo iyana waxay yihiin:

• dulsaarka ee 11.4% sannadkii.
• lacagta Loan 600 000-8 000 000.
• aqoonsashada kuwa muddo 12-360 bilood.
• Helitaanka lacag u gaar ah 20%.

FK "Furitaanka"

booska shanaad on meelmar dhaqaale ee ugu sareeyay, taas oo ka kooban bangiyada in ay bixiyaan mortgage, qabsadeen "furan" Bank. marka la eego credit waa sida soo socota:

• dulsaarka ee 11.3% sannadkii.
• lacagta Loan ka 625,000 in 75 milyan oo rubles gobollada iyo 150 million rubles for Moscow, gobolka Moscow ee, St. Petersburg iyo Gobolka Leningrad.
• aqoonsashada kuwa muddo 60-360 bilood.
• Joogitaanka lacagta bilowga ah ee 20 ilaa 80% ee qiimaha guryaha.

Rosselkhozbank

hay'ad maaliyadeed Tani waxay ku taalaa on line rating lixaad, waxay bixisaa amaahda ah ee iibka hantida ma guurtada ah ee ku saabsan shuruudaha soo socda:

• dulsaarka ee 11.3% sannadkii.
• lacagta Loan ka 100 000 3 000 000 gobollada iyo 8 million - waayo Moscow, gobolka Moscow ee, St. Petersburg iyo Gobolka Leningrad.
• Muddada u aqoonsashada 1-360 bilood.
• wajigeeda koowaad ee 20% qiimaha guriga / guriga.

Kor baananka ugu faa'iido oo lagu kalsoonaan karo mortgage ayaa loo arkaa. Si aad u hesho amaah ah si aad u iibsato hantida maguurtada ah ee hay'ad gaar ah u baahan doontaa inaad buuxiso shuruudaha iyo soo gudbiyaan liiska dukumentiyada qaar ka mid ah.

Sida loo fahmi karaa by shuruudaha inta badan ee bangiyada, inta badan la kulantay yihiin shuruudaha in deynsanaya:

• Da'da u dhaxaysa 21 iyo 75 sano jir waqtiga xiritaanka full of daynta.
• dhalashada Ruush.
• Joogitaanka aragnimo shaqo ee sannadka.

Dukumeentiyada loo baahan yahay, waayo, taasu waa sida soo socota:

• aqoonsi (kuwaas oo baasaboorka Ruush).
• dukumenti dheeraad ah ka mid ah liiska ay bixiyaan bangiga.
• Documents rumayn shaqo iyo dakhli joogto ah.

Si kastaba ha ahaatee, tani ma aha oo ku filan si loo helo amaah ah. Waxaa jira Gudigga badan, oo laga heli karo by tilmaamayaa in laanta bangiga ee la doortay.